Adjust the property market policy in many places: super 10 cities are restricted to purchase, and 80 cities are relaxed.

On April 27th, after Zhengzhou, Quzhou, Qinhuangdao, Nanjing, Suzhou and other cities relaxed the purchase restriction on the property market, Foshan and Langfang, important cities in the Pearl River Delta and Beijing-Tianjin-Hebei, also joined the camp of loosening the purchase restriction.

As the most distinctive administrative means of property market regulation, purchase restriction has a history of 10 years. Compared with other policies, it can directly increase the number of buyers, which is the most iconic action in the regulation and relaxation. The new measure to loosen the restrictions on purchases is the obvious difference between this round of control measures in March and April and 1 month. Previously, the deregulation of multi-city property market mainly started with reducing the financial pressure of buyers, mainly by reducing the down payment ratio, mortgage interest rate and increasing the loan amount. This round of liberalization of purchase restrictions directly increased the number of buyers in the property market.

It is particularly noteworthy that on April 25th, the Wuxi Health and Health Commission led the Wuxi Municipal Bureau of Self-discipline, the Housing and Construction Bureau and the Provident Fund Management Center to issue a notice to increase the amount of provident fund loans and the number of housing units for families with two or more children in this city, becoming the first property market in China to relax the purchase restriction policy led by the Health and Health Commission.

Foshan housing can not be purchased for five years.

On April 27th, the Housing and Urban-Rural Development Bureau of Foshan responded, and indeed issued the relevant notice on optimizing the housing policy of existing commodities on the 26th, calling the document an "internal working document", which has been distributed to the housing and urban-rural development bureaus, water conservancy bureaus and relevant municipal functional departments in all districts.

According to the Notice of Foshan Housing and Urban-Rural Development Bureau on Optimizing the Policy of Stock Commodity Housing, Foshan will no longer restrict the purchase of commodity housing with the latest deed tax payment time or real estate registration time of five years. The specific implementation policies include: 1. When households apply for the qualification verification of purchasing houses online, the commodity housing will not be included in the number of housing units owned by households; 2. When the commercial house is transferred through online signing, gift, judicial auction and other procedures, there is no need to verify the qualification of purchasing the house, and the execution time begins on the 26th from the date of release.

Foshan Housing and Urban-Rural Development Bureau responded on April 27 that the policy has indeed taken effect, but the related business system functions are still being debugged and will be officially announced after the debugging is completed.

Relevant persons from Foshan Housing and Construction Bureau said that the main purpose of the policy is to support the demand for improved housing, activate the second-hand housing market and build a healthy and reasonable commercial housing market system; Taking "five years" as the boundary to avoid short-term speculation, only by adjusting some policies and reasonably guiding expectations can we avoid short-term market fluctuations.

Li, chief researcher of Guangdong Housing Policy Research Center, believes that Foshan's move can activate some improved needs to a certain extent, including some families with second and third children; Families with poor housing units and insufficient supporting facilities to be improved; Families who bought a house five years ago have low entry threshold and cost, no mortgage and no repayment; Private enterprise owners or executives who start to hedge, return to safe assets and buy houses.

At present, Foshan real estate projects have played the slogan "Foshan housing is not allowed to be purchased within five years".

In fact, this is the second time that Foshan has loosened the qualification for buying houses during the year.

On March 24th, Foshan Human Resources and Social Security Bureau extended the application scope of T-card to talents with full-time college degree or part-time undergraduate degree, and T-card talents can enjoy the purchase policy of Foshan registered population.

At present, the restricted purchase areas in Foshan include eight popular areas: Chancheng District, Guicheng Street in Nanhai, dali town, Feishui, Beijiao Town, Chencun Town, Beijiao Town and Lecong Town. In the restricted area, Foshan household registration is restricted to two suites.

But in practice, it is not difficult to obtain the qualification of buying a house.

More than one intermediary told the Economic Observer that if the buyers' academic qualifications do not meet the requirements, they have channels to help them apply for T cards, and the handling fee is 7000- 12000 yuan.

Langfang purchase restriction is relaxed? Yes, as early as last July.

On April 27th, the Notice of Langfang Municipal People's Government on Announcing the Cleaning Results of Municipal Government's Normative Documents was widely circulated. According to the contents of the document, the current effective government normative documents formulated before April 20, 2022 were comprehensively cleaned up, and three municipal government normative documents were abolished.

The three abolished documents include the Implementation Opinions of Langfang Municipal People's Government Office on Further Promoting the Stable and Healthy Development of the Real Estate Market in the City (hereinafter referred to as "Document 6 1") issued on 20 17. If this document is abolished, it means that the real estate purchase restriction policy that has been implemented for five years will be lifted.

According to document 6 1, Langfang is a county-level city. Non-local registered families can purchase 1 house after three years of social security, and local registered families are limited to purchase 2 houses. After the release of document 6 1, the property market around Beijing, which has been popular for many years, began to cool down, the transaction volume dropped by 90%, and the house price was close to the waist.

According to the Economic Observer, as early as mid-2020, the purchase restriction policy of some new houses in Langfang, including the three northern counties, has been greatly lifted, which meets certain conditions (I and my family are required to have no housing in the local area, and some projects require to pay 1 year social security in Beijing). Foreign buyers can buy new houses.

In July of 20021year, the second-hand housing purchase restriction policy in several districts and counties of Langfang has existed in name only. Foreign household registration buyers can buy a house as long as they have no housing in the purchase area and county, both new and second-hand houses can be bought, and the mortgage payment is 30%.

After two major relaxations, the official did not explicitly issue a document to convey the relevant notice. When the buyer consulted the official, the official never admitted any relaxation. However, according to the Economic Observer, people with restricted purchases can buy houses in relevant districts and counties in Langfang. This official document is equivalent to officially announcing the pre-existing purchase restriction policy.

Since 2022, with the widespread impact of the continuous decline of the real estate market, many second, third and below cities across the country have liberalized administrative control policies such as restrictions on purchases and sales, which also provided an opportunity for the official announcement of Langfang.

Super 10 cities are restricted to purchase, and over 80 cities are relaxed.

According to the Economic Observer, since the beginning of this year, super 10 cities have relaxed their purchase restriction requirements, among which Zhengzhou, Quzhou, Qinhuangdao, Shanghai Lingang, Nanjing, Suzhou and other cities or regions have clearly issued documents or formally confirmed the relevant purchase restriction relaxation policies.

The above-mentioned purchase restriction measures are mainly aimed at specific groups, such as relatives who have come to take refuge and non-registered families who have settled here. The way of loosening is to reduce the social security payment period requirements of buyers. In addition, both Qinhuangdao and Foshan have liberalized the restrictions on stock houses.

In March, Zhengzhou issued a notice that children and close relatives working and living in Zhengzhou encouraged the elderly to come to Zhengzhou to support the elderly and allowed them to buy new houses.

At the end of March, Fuzhou Real Estate Registration and Trading Center made it clear that non-five-city registered households (including Hong Kong, Macao and Taiwan) can buy a set of ordinary houses below 144 square meters in five cities of Fuzhou, without having to settle down or provide medical social security or tax payment certificates for nearly two years 12 months or settle down;

In April, Quzhou issued a document pointing out that enterprises invested or controlled by non-registered families, individual industrial and commercial households and natural persons in this city are regarded as registered families in this city to implement relevant housing purchase policies; On the same day that Quzhou issued a document, Qinhuangdao said that buyers who bought second-hand houses from April 2 can only provide their valid identity documents when applying for qualification verification.

In addition, in mid-April, Suzhou Real Estate Market and Transaction Management Center confirmed that since April 1 1, when families who are not registered in this city apply to buy houses in Suzhou, Kunshan and Taicang 1, the social security period is required to be adjusted from the original continuous payment of social security for three years to the cumulative payment of social security for two years;

Nanjing Liuhe District Real Estate Trading Center said that non-Nanjing registered households can issue a certificate of purchase in Liuhe District; In terms of Shanghai Port, in 2022, for talents working in key supporting units, "the threshold for obtaining the qualification to buy a house will be reduced from working in the new district 1 year to 3 months or 6 months".

In addition, many cities are quietly relaxing the purchase restriction conditions, including Ningbo and Nanchang.

On April 25th, Wuxi Health and Health Commission took the lead in relaxing the purchase restriction. The specific measures are that families with two or more registered children in this city can buy a new set of commercial housing in the restricted purchase area. In addition, for the first time to use provident fund loans to buy the first set of self-occupied housing in this city, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance; The maximum loan amount can be increased by 654.38 million yuan or 200,000 yuan on the basis of the stipulated loanable amount.

According to the incomplete statistics of Zhuge Housing Search Data Research Center, as of April 18, more than 80 cities have joined the policy loosening camp, and the regulation has reached about 100 times. The content of policy loosening mainly starts from the demand side, and the measures include relaxing settlement, increasing the amount of provident fund loans, reducing the down payment ratio, lowering the mortgage interest rate, relaxing restrictions on purchases and loans, and relaxing restrictions on sales. In April, the density of regulation was greater, and the speed of urban expansion accelerated. Suzhou, Nanjing, Shanghai and other high-energy cities joined the policy loosening camp, regulated the loosening content, increased the housing subsidies for new talents, and relaxed the supervision of pre-sale funds.

Does the property market improve after the purchase restriction is relaxed?

As a high-energy city that liberalized the purchase restriction at the beginning of this year, Zhengzhou property market improved in March under the stimulation of a number of property market policies.

On March 1 day, the General Office of Zhengzhou Municipal People's Government issued the Notice on Promoting the Healthy Development of Real Estate Industry (hereinafter referred to as the Notice), and put forward the measures of 19 to "stabilize land prices, house prices and expectations".

Among them, in supporting reasonable housing demand, it is clear that relatives will come to Zheng to support the elderly and allow them to buy new houses with their families. And give support in credit financing. According to the notice, for families who own a house and have settled the corresponding housing loans, in order to improve their living conditions, they will apply for loans to buy ordinary commercial housing again, and banking financial institutions will implement the first home loan policy.

The data level shows that Zhengzhou's rescue policy is playing a role.

According to the monitoring data of Zhuge Housing Search Data Research Center, under the force of "Zheng 19", the transaction scale of new houses in Zhengzhou rebounded in March, with 3,852 sets of new houses, up 47% from the previous month; 3627 sets of second-hand houses were sold, up 56% from the previous month. According to the National Bureau of Statistics, in March, the decline of second-hand houses in Zhengzhou narrowed by 2 percentage points.

However, the property market did not recover to last year's level in a short time. In March, the number of new house transactions in Zhengzhou dropped by more than half, and the number of second-hand houses still dropped 12% compared with the same period of last year.

A Foshan real estate agent who has worked for five years also believes that relaxing the purchase restriction is not a tonic, but it will touch some owners who have not been qualified to buy a house before and whose property has been under their name for more than five years. Li also believes that the effect of the new policy remains to be seen. In recent years, the supply of new houses in Foshan is mainly 3-4 rooms, with an average area of 1 10- 120 square meters. The demand for improved housing has been released for many years, but under the influence of intermittent epidemic and economic transformation, the demand of the middle class may be frustrated.

He said that more comprehensive and integrated policies are needed to release demand. For example, increase financial subsidies and tax relief, accelerate the circulation of stock houses, and release improved demand. In addition, it can also speed up the old renovation of the stock room and make up for the supporting shortcomings.

According to the data of Foshan Housing and Construction Bureau, in March 2022, Foshan built 659 1 set of new commercial housing, and there were 3,459 sets of existing commercial housing, down by 46% and 39% respectively.

Repeated outbreaks have also affected the performance of the property market. Judging from the Yanjiao property market in Langfang, which is close to Beijing, in addition to liberalizing the purchase restriction policy, Beijing Metro Line 22 passing through Yanjiao has also been launched. In early April, Yanjiao and other areas further reduced the mortgage interest rate. However, with the reality of the epidemic and the long queue time in Beijing, the above favorable policies have not been fed back to the property market level.